Amazon.com Credit Card Review

The Amazon Credit Card is an awesome deal for fans of online shopping. For starters, Amazon.com points are as good as cash, since you can buy pretty much everything through the site – usually at the best possible prices. That means you’ll earn the equivalent of 3% or 5% cash back on Amazon purchases, depending on whether you’re a Prime member. And those earning rates are nearly three and five times the market average for a cash rewards card, respectively.

Finally, the fact it does not charge an annual fee means applying for the Amazon Visa should be a no-brainer, even if you plan to use it only for certain types of purchases. You can learn more about this lucrative everyday rewards card below:

It’s worth $50+ right off the bat. Right now, you’ll automatically receive a credit of at least $50 ($70 for Prime members) when you open an Amazon Credit Card account. This promotion won’t be around forever, though.

There’s no annual fee. With no yearly fee to worry about, the Amazon Rewards Card is $17.35 per year cheaper than the average credit card, according to WalletHub’s latest Credit Card Landscape Report. It also means you won’t have to spend a certain amount each year just to break.

Get paid for making everyday purchases. The Amazon Card doles out rewards in points, but the earning rates translate to 3% cash back on Amazon.com and Whole Foods Market purchases (5% back for Prime members); 2% back at restaurants, gas stations and drug stores; and 1% back on everything else. For context, the average rewards card gives you about 1.06% back on all purchases.

Look elsewhere for financing. The Amazon.com Rewards Visa Card was built for everyday purchases that you can pay off within a single billing cycle, not balances carried from month to month. It doesn’t have 0% intro rates, and its regular APR could be higher than the market average for cards that require fair credit for approval, to say nothing of those demanding good or excellent standing. So don’t make the mistake of allowing finance charges to erode your Amazon Visa rewards earnings.

The Amazon Rewards Visa has an attractive sibling. The Amazon Store Card is an excellent alternative to the Amazon Rewards Visa Card, which requires at least good credit for approval. If you’re a Prime member, you’ll earn 5% back on Amazon purchases, but that’s all you can use it for. You can see which card you’re likely to get approved for by checking your credit score for free on WalletHub.

The best Amazon credit card is the Amazon Rewards Visa by Chase because it offers 3 points per $1 spent at Amazon and Whole Foods (5 for Prime members), along with a $50 gift card after approval ($70 with Prime). And several other factors help make it the best credit card for Amazon purchases, including its $0 annual fee and $0 foreign transaction fee. This card has no annual fee and you can use it anywhere Visa is accepted.

Another of the best Amazon credit cards is the Amazon Store Card from Synchrony Bank, which offers 5% cash back but only if you have a Prime membership. It will also give you a $10 gift card after approval. You can only use the card at places that accept Amazon Pay, but that’s still 120+ merchants. Plus, the Amazon Store Card is easy to get, requiring only fair credit.

If you don’t want a store-branded credit card, you could always get a cash or miles card that rewards you well for all spending and/or lets you spend your rewards directly at Amazon. For example, the Chase Sapphire Preferred card has a nice 50,000-point initial bonus, and you can spend those points at Shop With Points on Amazon for 1 cent each.

Top 5 Credit Cards for Amazon Purchases:

Amazon Rewards Visa Signature Card – Best Overall

Amazon.com Store Card – Best for Fair Credit

Chase Sapphire Preferred Card – Best for “Shop with Points” on Amazon

Citi Double Cash Card – Best for Cash Back

Amazon.com Business Credit Card – Best for Business

When choosing the best Amazon credit card for you, you’ll have to decide between better perks at Amazon and solid rewards value across the board.

It’s also good to note that several credit card rewards programs participate in Shop With Points on Amazon. This lets you use your rewards directly for Amazon purchases. The participating rewards programs are Chase Ultimate Rewards, ThankYou from Citi, Discover Cashback Bonus, American Express Membership Rewards and Hilton Honors.

All of the best Amazon credit cards have something unique to bring to the table. Let’s take a closer look at what they are.

Best for Fair Credit: Amazon.com Store Card. Issued by Synchrony. Can only be used at places that accept Amazon Pay. 5% cash back (as points worth 1 cent each toward Amazon purchases or statement credits) on all Amazon purchases with a Prime membership. $10 gift card after approval. $0 annual fee. Fair credit needed.

Best for Cash Back: Citi Double Cash. 2% cash back on all purchases, 1% at the time of purchase and 1% after payment. 0% APR on balance transfers for 18 months (3% fee). $0 annual fee. Good credit needed.

Best cash bonus: Chase Freedom. $150 bonus when you spend $500 in the first 3 months. 5% cash back on up to $1,500 spent per quarter in rotating categories (sometimes including Amazon. 1% back on all other purchases. Can use rewards at a 1:1 ratio directly on Amazon.com. $0 annual fee. Excellent credit needed. Best for Travel Rewards: Capital One Venture. 50,000 bonus miles for spending $3,000 in the first 3 months, worth $500 toward travel. 2 miles per $1 spent on all purchases and 10 per $1 at hotels.com/venture. $95 annual fee waived the first year. Good credit needed.

Best for Shop with Points on Amazon: Chase Sapphire Preferred. 50,000 bonus points for spending $4,000 in the first 3 months. 2 points per $1 on travel and dining and 1 on everything else. Can pay with points at Amazon at a rate of 1 cent per point. $95 annual fee waived the first year. Excellent credit needed.

Best for Bad Credit: Discover it Secured. 2% cash back on $1,000 spent per quarter at restaurants and gas stations and 1% on everything else. First year’s cash back matched. Can spend cash back at a $1:$1 ratio at Amazon.com. No annual fee. Bad credit accepted.

Best for Business: Amazon.com Business Credit Card. Issued by American Express. $100 Amazon gift card after approval ($125 for Prime members). 3% cash back (5 with Prime) OR 60 days of no interest (90 with Prime) on all Amazon and Whole Foods purchases. 2% back at U.S. restaurants, U.S. gas stations and U.S. wireless phone service. 1% back on all other purchases. $0 annual fee. Good credit needed.

In all, if you’re a frequent Amazon shopper, you’ll probably benefit most from an Amazon branded credit card. But there are plenty of cards that give great value on all purchases to consider as well.

The Amazon credit card foreign transaction fee is $0. That applies to the Amazon Visa Credit Card, the Amazon Prime Visa Card and the Amazon Business Amex Card. With no foreign fee, cardholders will not be charged extra when traveling abroad or making international purchases online.

The Amazon Store Card does not have a foreign transaction fee. But that has more to do with the fact that you can only use it for Amazon.com purchases and at select U.S. merchants that accept Amazon Pay. Because of that limitation, a foreign transaction fee would not apply. Even if you buy something on Amazon that comes from a foreign seller, you don't pay extra.

Amazon credit card foreign transaction fees:

Amazon Credit Card: $0

Amazon Prime Credit Card: $0

Amazon Business Credit Card: $0

Amazon Store Card: Not applicable

One thing to remember is you don’t necessarily have to use the same card for Amazon purchases and international travel, if that’s what you’re looking to do. There are lots of really good travel rewards cards with no foreign fee that you could pair with your favorite Amazon card.

Yes, the Amazon credit card is worth it, but only if the bulk of your shopping is on Amazon. And considering that you can find pretty much anything you want there these days, it's worth it. You won't get Amazon Prime for free with it, but if you spend more than $6,000 per year on Amazon, the extra 2 percent back exceeds the Prime membership fee.

Interest only starts accruing when the grace period ends (i.e. your due date). If you make your payments on a regular basis before the end of the grace period, no interest will accrue. However, you should also make sure you know your card’s schedule and due date so you don’t make any late payments. Paying a few days before the due date is a good habit. Hope this helps!

No, the Amazon Credit Card doesn’t have an inactivity fee and you don’t have to worry about interest or other fees unless you actually make purchases using your card and even then, if you pay your balance in full by the due date and do not carry any balance from one month to another, no interest will be accrued. Best of luck!

Yes, it is an actual credit card and it will help you improve your credit if used responsibly. It’s a fine option if a significant portion of your monthly spending is with Amazon or if you’re using it to supplement an existing everyday card.

Yes, you can pay your Amazon.com Credit Card bill over the phone for free. Simply call 1-800-436-7958 and follow the prompts from Chase’s automated system.
Payments made before 8 PM ET will post to your account the same day (except on Saturdays). Payments made after 8 PM ET will post to your account the following day, except on Fridays.

Unfortunately not. You must be a U.S. Resident, have a U.S. Social Security number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and be at least 18 years old (19 in AL and NE) in order to apply for this card.

3.7 out of 5

I have excellent credit as many reviewers here. I decided to open a amazon credit card since I buy a lot of stuff there and thought about the points rewards program would be perfect. They told me it would be 16.49%. I didn't like it but I went for it hoping that they would lower it in some time. Its been a year or so and its still the same. I called and they told me that its the lowest they have and can not lower it. REALLY?? I paid $40 of interest last month for a few reward points? NAHHH, I told him I will pay it off and never use it again. She then told me that I can't pay it off because there is already a payment pending..... REALLY????? So I am not allowed to pay off my card? Tomorrow is the 3 day waiting period. After that I am not ever using it again.…read more

I have a 750 credit score TU and EF and they are not willing to lower my apr under 24% highway robbery for someone with excellent credit i will no longer keep this card i will be terminating it shortly.

My credit scores are Ex 655, Tu 626, Ef 670. I have.. countless cards. Never carry over 30% on any of them. No bankruptcies. No charge offs. I do have two medical bills I refuse to pay because I had insurance. They turned it into collections . Other than that. Nothing bad. But I had a $500 credit limit on my Amazon. Used it a lot, paid it off every couple months. Out of the blue they lowered me to $100. At the time I had $90 outstanding on the card. I paid it in full and won’t touch it again. That’s the only card that has ever done that to me. I dont care if they close it. I figure if we stop using he companies that do this they will stop doing this. This whole credit score thing is bullshit. I make 98k a year, I do have a lot of student loans but I pay them. Who makes up this BS?… read more…read more

I made a purchase on Amazon using my rewards dollars. I paid 5.99 for next day delivery. It never came for the next 2 days. I called Amazon they sent me an email saying 4 cents will go back to my credit card and 5.95 will go back into my Amazon rewards to use on another purchase. 3 weeks later no refund back. Called Chase 3 times and spent about an hour each time on the phone. The last time the supervisor said I have to contact a special department because they showed it refunded. That’s just terrible customer service. Their mistake so me the customer has to do all the foot work. I said if it’s refunded then why can’t I see it. That was over two weeks ago. I’m ready to close out my credit card and just use my Bank of America credit card and earn my points on that one. I believe it has better earning power anyways.

Amazon uses Chase for their credit service and neither company knows how to refund their reward dollars back into the Amazon rewards bank so you have immediate access to it to use for another purchase.…read more

Do not get this card just want to let you know I like Amazon and shopping on your site, but after applying for the Amazon credit card by Chase bank getting approved. Then a week later finding out they just closed the account without warning. Makes me think Amazon needs to consider using a different bank for that kind of service as Chase was very unhelpful with why it got canceled and in addition now has tarnished my good credit by bringing my score down. This happened to me and another family member we have excellent credit and pay our bills on time and they go ahead and do this. Chase is a terrible Bank and their customer service is terrible.…read more

I originally went for this card to get $50 off of a computer purchase on Amazon. I have to say that this card has been, by far, the worst I have ever dealt with, and I have had great credit since I was `18 years old (30 years ago). This one has been tough, and didn\'t end well for me or for Chase.

Here\'s my experience:1. I applied for the card2. I received no bill for approximately 60 days. When I did, it was very difficult to create an online account to pay the card. But I had to, as there was no time for a check to be sent. 3. When I linked the account to my bank account, I was told that everything was OK. However, it was not, and my payment did not go through. I found out about this when I received a notice from my credit monitoring service that I had a late payment.4. Contacted Chase, they took a payment over the phone, gave me $100 in credits (waived a late fee and actually gave me some money back), but would not remove the late pay from the credit monitoring agencies. 5. Contacted the credit monitoring service, disputed, got the late pay removed from one credit report. 6. Fixed the online account, paid off the card and cancelled it.

Hardest I\'ve worked for $50 in a long time. Well, maybe it was more like $70 after they waived all the costs. Chase actually lost money on this, but I lost points on my credit score too. All in all, not something I will do again. In fact, I work for an organization that issues debt, and actually maneuvered a recent issue away from Chase - even though they has a SLIGHTLY lower rate - due to their predatory lending practices. Still, I will never feel like this has been made right. While I will reluctantly end up doing some business with Chase, I will continue to use and share this knowledge both personally and professionally in order to safeguard my friends, colleagues, and investors.…read more

I bought many things from Amazon using this card. My building caught on fire and those items have gone. I want to file claims using the purchase protection function of the card. The only allow a maximum $500 per claim and they only allow 1 claim per incidence. Basically, they only allow $500 claim PER INCIDENCE. That's just not enough in my case when I had many things got burned during the fire. They said the maximum amount of claim is $50,000 per account. Therefore, are they assuming that a customer will have 100 incidences during the lifetime of the account and it's crazy. I like Chase credit card but I would say it's a very bad way to mislead the customers about the purchase protection benefits.…read more

Numerous reviews littered with complaints about this card. Some may be valid but here's why most complaints should be ignored. I have had this card for 3 years. I have a $35K limit. My CS is 775. My high balance on it has been $19.7K. In 2016, I charged over $75K on the card and paid ZERO INTEREST. In 2017, I charged over $110K and paid ZERO INTEREST. In 2016, Chase paid ME just under $2K to use their card. In 2017, Chase paid ME well over $2K again in rewards/money. So over the last two years, I have charged just under $200K and have not paid a single dime in interest! Moreover, Chase has paid me thousands to use their card! How? Simple! I PAY MY BALANCE OFF EVERY MONTH! And that's the best part. You get 5% rewards on Amazon which is AWESOME. And you get PAID to use the card IF you pay it off every month! Note: Customer service for me has been excellent.…read more

Worst customer service in the world! Someone stole my card and I closed the account immediately and opened a fraud investigation. 6 months later I'm still getting billed for the stolen charges and late charges!!! Now they are telling me the investigation is closed and I have to pay $600. DO NOT GET THIS CARD. Better to take your business elsewhere, where they know how to treat you.

READ YOUR PAYMENT CONDITIONS!!For a year, I loved my Chase Amazon CC. It was so easy to have thecash back applied to my Amazon orders. Then I really wanted something that I knew would give me an account balance I wouldn't be able to pay off for a couple of months. I felt it was worth it, especially with the cash back. I had more difficulty paying down the balance to zero for several months, so I read the terms on my statement and found this: "Calculation of Balance Subject to Interest Rate: To figure your periodic interest charges for each billing cycle when daily periodic rate(s) applies, we us the daily balance method (including new transactions). !!!!! Who does that??? When I thought I was paying interest on $400, I was paying interest on $1000. Their seemingly low interest rate is not so low. This card only works if you plan to pay it off every month.…read more

My application was accepted and I was issued a credit card. I though the application process went smoothly, but two weeks later they looked at my Experian report and decided I didn't have enough personal credit history (most of my previous credit was jointly held with my wife who passed away recently). Even though they had my telephone number, email address, and could instant message me through the app/website, they chose to simply close my account without notifying me. I found out the account was closed after my kids and I ate a meal at a restaurant and I couldn't pay for it with my credit card. It took multiple messages and calls to their customer support department before they would even explain why the account was closed (I assumed it was an error or something up until that point). Customer service was rude and evasive every single time I talked to them.

I closed my checking account with Chase before this because they were terrible, but I really wanted an Amazon card because I love Amazon. I have learned my lesson that everything Chase touches is awful.…read more

Do not get this card if you are in Canada. Getting statements is unreliable and Chase is a terrible bank to deal with if you are Canadian. I so loved the idea but the execution is terrible. I wish amazon Canada had a deal with a Canadian bank.

It's a good card to have. The only negative is having to deal with Chase bank, especially when opening the card. ChaseBank is a bureaucratic nightmare. As long as you don't have any problems with the card, and don't have to deal with Chase, you'll be fine

I applied for the card because of a $40 incentive on an Amazon purchase. As soon as I received the card I set it up for auto pay of entire balance due on due date. Later I found that I was charged a $25 late fee plus interest for a missed payment. When I called about this I was told that it takes one billing cycle for the auto pay to be effective! Outrageous!

Don use this card, I was hesitant to use, but unfurtunate I did, Some crook got a hold of my card # and spent $108.49, after a week calling and they having the knowledge it was a fraudulent charge, Chase refuses a credit in my account, I will never use this card again is going to the garbage, dont want bussines with a bank this lazy and dishonest....even knowing the source of the false transaction...I do not recomend it at all, if you have one card like this get rid of it ASAP.…read more

Don't use this card. Amazon/Chase are only interested in taking care of merchants, not customers.I charge 1/2 of a large transaction to my amazon/chase credit card and 1/2 to my USAA credit card. After the merchant didn't deliver on the services I asked for, I disputed the charges with both credit card companies.Chase/Amazon didn't refund my money, even after 3-4 attempts to provide them with my point of view and documents that proved the merchant was in the wrong.USAA refunded my money, no questions asked.Conclusion...don' use Chase credit cards or banking. USAA is the best bank, credit card and insurance company I have ever worked with.Needless to say I cancelled my Amazon/Chase credit card after they refused to refund my money on a fraudulent charge.…read more

I love this credit card because it allows me to earn cash back rewards on all of my amazon purchases. I originally got this card because I shop on amazon so much and wanted a card that I could be rewarded for doing so. I also got the card because it gave an introductory offer with a certain amount off my first order. If I could improve anything, I would improve the customer service because when I have called to correct things I am put on hold quite often and have to wait a while for a representative. I would recommend this card to others because it is a good deal for getting cash back. Like I said earlier, I would make sure that the customer service is improved because it can be slow.…read more

I got this card initially for the 80$ Amazon gift card that you received for signing up. I sat down and did the math on how much I spent on Amazon last year, and decided that with the rewards offered by this card it was worth putting all my amazon purchases on the Chase card and paying it off at the end of the month. In the past I never bought anything from amazon that I didn't have the money for on the spot, so I haven't built up a balance which has been nice not to worry about.…read more

I got the Amazon rewards credit card because I shop on Amazon.com a lot. I have never had a problem where I needed to contact the customer service in the two years I've had my card. The $50 gift card when signing up was nice and went through instantly without any problems. I would recommend this card to other people if you shop on Amazon often since the rewards points add up quickly.

I was drawn to this credit card when I was making a relatively large purchase on Amazon. The popup indicated I can receive $80 immediately off my purchase so I jumped on the deal. After looking into it a bit more in detail, I noticed that I receive a consistent 2% cashback on restaurants, gas stations and grocery stores. This was at least 100% better than my other card which was a flat 1%. I would love the occasional extra % cash back on valid retailers or perhaps more bonus cash back for spending a certain amount in a pay period. I would overall recommend this card to people who shop at Amazon very frequently as you do get 3% cashback on anything from Amazon. I haven't had to deal with customer service yet so I can't talk too much about it. Overall, I've never had any problems with Amazon. They have always had stellar service.…read more

I got this card because it offers a good cash back deal. You also have the option of getting points to purchase things on the the Amazon site. You get 3x the points for purchases made at Amazon, which is a really good deal for people who shop there a lot. It adds up to a big savings over time because you get free stuff on Amazon. There isn't much to improve except the APR is kind high, 15-22%. It doesn't effect me because I pay my balance every month. But if you carry a balance over time, the APR will wipe out the savings from the cash/points back. This is only a good deal if you pay off your balance every month. I would recommend it to anyone who pays their balance every month. If you don't, you are better off finding a card with a lower APR. I've used the customer service chat a few times and they were friendly and answered all my questions. I love this card!…read more

I got the card because I wanted a credit card that gave me cash back. Amazon through in a bonus gift card and I often shop online at Amazon, so I figured they would be a good choice. The only thing I would improve is the online payment system. It can be a little annoying sometimes trying to pay until you get used to the site layout, but overall it's not bad. I would certainly recommend this card to others, especially if you use Amazon often. The cash back is higher if an item that is purchased is shipped from Amazon, so you're getting paid to shop! I've only had to contact customer service once, but they were nice and extremely helpful. They are one of the few places that I am not dreading if I have to call them!…read more

As a frequent shopper of Amazon, I was intrigued by the Amazon credit card. The 3% back on Amazon purchases really caught my eye and I decided to go for it. It's been a great way to earn more back, rather than just getting 1% with my other rewards card. It also has 2% back on restaurants and 1% back on gas, but I don't really use it for that, as I get a higher percentage from another card. I don't really have any complaints. If I could improve anything, I would bump the 3% to 5% back to compete with the 5% I save with my Target debit card. Haven't had to deal much with customer service so I can't really comment on that. I would definitely recommend it to frequent shoppers of Amazon. I'm saving up my cash back to pay for my Prime renewal.…read more

I got my card because I am a regular shopper at Amazon.com and wanted a card that would give me rewards for using it. Amazon.com's Chase Visa credit card fits the bill. It gives me 3 points for every $1 I spend on Amazon.com, 2 points on every $1 I spend in drugstores and restaurants, and 1 point for every $1 on any other purchase I make. 100 points equals $1.00, and I can use the points on future Amazon.com purchases or redeem for a cash reward, which is really nice. The only thing I wished it also does is give me 2 points for every $1 I spend at a grocery store, instead of the 1 point I am getting right now. I would definitely recommend this card to regular shoppers on Amazon.com. That's not much I can say about the customer service because I have never had issues with the card and thus have never contacted their customer service support before.…read more

The Amazon.com Chase Credit Card is an amazing card for people who like to do shopping online. I use Amazon.com for a large chunk of my personal needs and fun shopping and by using their partnered card with Chase, I earn points that can be used as money on Amazon when I shop. I've never had any issues and the customer service is great!

I use this card all the time. It is in fact my #2 card when going out to buy things like gas and groceries, but for online shopping it is my go-to card. I use Amazon.com every month so having this card is common sense. I've never had any issues so I can't commend on the customer service aspect. The rewards are great - especially for an Amazon shopper! I would & have recommended this card to others.…read more

The people who work for Chase Amazon Visa are very rude. They discriminate against disabled people. You e-mail them and they never respond. Took 4 weeks to get a card that didn't work. HORRIBLE experience.

Amazon credit card is my go to card when I buy stuff from amazon. The 3% cash back on purchases at amazon.com is a good deal. I've been using this card for an year now and I am quite satisfied with this. It requires a good credit score which might be a problem for some but other than that its great. I signed up for this when I was shopping on amazon. I've some issues a couple of times with transactions not going through. I contacted the customer services and they resolved my issues in no time. The customer service is prompt and courteous. They make sure that the problem has been solved and follow up on that. Overall a great experience.…read more

"YOUR COST WOULD BE 52$ INSTEAD OF 82$. If you apply for Amazon Rewards Visa Card Now and you'll get an Instant 30$ off."

Now if you understand it in english that means your current order will be 30$ off when you apply for the card. And I fell into the trap, I did apply, it opened up a a pop-up it discounted me 30$ dollar but When I came back to my main screen, My order was still pending and of 82$ not 52$. I placed it to try and see if I get an ""INSTANT"" 30$ off. Which from what I understood by now that you'll get only when you buy your second order, you can use that 30$ card later not an ""INSTANT"" off as they mislead you.

My concern is why is misleading language used on checkouts. Why is that ""INSTANT"" off. And I really don't want this card now. You can keep it. I contacted Chase but they say they don't cancel once applied.They even had a hard inquiry on my credit score which effects my score badly.

I am really really not satisfied with this way. Please stop misleading and let me know how do I cancel my Visa card application without my Credit score being effected.

And When I call Amazon care they say Chase will give 30$ off. Chase say they don't do it, Amazon pays you gift card. What a fraud. They won't cancel your card, won't give you off. What a poor way of earning money and business. I'd rather stick to other online stores.

I have had this card for 3 years and find it pretty reliable. I like that it gives me points every time I buy through Amazon, and I have been able to cash those points in towards hotel rooms and other Amazon purchases. I'm not so crazy about the APR (21.99%!), but that is why I only use this card for Amazon purchases.

Using this card is not a good idea. i thought i was saving money and i got a bill that cost me twice as much. Your advertisement was completely misleading and I am strongly recommending that nobody get this card.

I love my Amazon Visa Credit card!! I earn points for every single dollar I spend! I do sooo much of my shopping on Amazon and get triple points there. I received a $30 Amazon gift card just for trying out the card!! I can use my 21 grace period to pay off my entire balance each month and so I avoid interest charges. The Amazon Visa card also comes with no annual fee. I love this card, I use it whenever I can and have already earned a trip with my points!! Love it!!…read more

There are actually TWO cards for the individual: One is paper (rather flimsy paper) and is a Revolving Credit system. The other is a Visa card, plastic, and can be used for other-than-Amazon purchases. I recommend the Revolving Credit since the interest is around 25% and you can do better-interest wise-elsewhere. Both cards build your credit. Both cards are good for anything Amazon offers up to your credit limit. For someone seeking to raise their credit score, I recommend the Revolving Credit card and a few purchases paid off in two or three months time. That will boost your credit without tempting you into Cash Advances or Groceries, which the Visa is capable of doing. As long as Amazon's people see y o u are a regular payer and they get some money from interest, all will be happy.…read more

I like the card because of the rewards via Amazon BUT I hate that the credit card statement is not itemized with what I purchased on Amazon or some minimal reminder word. Since they have the info on Amazon, why not put it in the Statement?

I avoid most of the big box stores and I live in a major metropolitan area so I can even take advantage of things like same day shipping. The rewards program earns me points on items I already buy plus I even earn points on purchases not made on Amazon. If you're using subscribe and save and prime and any of the other Amazon services you should be using this card and getting cash back.…read more

I tried to cancel this card the first day I applied for it. That was four months ago. Chase finally closed the account. But I warn you right now it does NOT go away. After five emails and three phone calls to Amazon, the DEFUNCT card is still on my account. I cannot order anything digitally ("one-click settings") and make sure my real credit card is the one used for payment. I tried to order an e-book tonight, and the total amount was automatically deducted from the gift card which no longer exists. I am closing my account with Amazon and no doubt, will lose money from my Prime subscription. I'm all done with the nightmare of trying to deal with their total lack of concern.…read more

I really like the idea of this credit card. The fact that you get 30 dollars instantly just for signing up is really nice. The points system is also really cool. The interest rate seems very reasonable also. Overall I think this would be a really good card to get.

The Amazon card is one of the better cards you can get these days. You get an immediate $30 just for having the card approved and with decent credit you can get a very reasonable interest rate on future purchases. Another bonus to the card is the lack of an annual fee. Overall I would definitely recommend this card as it is one of the better cards I have seen, however I still prefer my Wells Fargo Cash Back card just because I get 1 or 5 % cash back on many different purchases.…read more

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.